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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,010 | $58,258-50.2% | $81,820-64.5% | $80,925-64.2% |
| Participation rate | 60.7% | 63.5%-2.7pp | 72.4%-11.7pp | 67.7%-6.9pp |
| Annual return | 11.08% | 41.76%-30.7pp | 777.93%-766.9pp | 35.65%-24.6pp |
| Employer contribution / active EE | $1,632 | $2,345-30.4% | $2,915-44.0% | $2,756-40.8% |
| Participant deferral / active EE | $2,442 | $3,284-25.6% | $4,323-43.5% | $4,299-43.2% |
| Admin fee / account holder | $88,855 | $4,976+1685.5% | $7,391+1102.3% | $6,940+1180.3% |